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The 10 Best Home Care Agencies for Seniors in Lake Worth, FL for 2024

Lake Worth is situated in the southernmost region of Florida and has a senior community comprising just over 15% of the population. While this is slightly lower than state and national percentages of seniors, there are numerous benefits and resources for older adults who live in this city. Health care costs are a little below the national median, and there’s a relatively high number of doctors per capita. According to the 2021 Genworth Cost of Care Survey, Lake Worth seniors who need personal care pay competitive home care rates of $4,195 per month. Care costs are slightly higher for home health care, which includes skilled nursing services such as physical therapy and medication administration.

Below we’ve compiled a comprehensive directory of every home care provider in the Lake Worth area – complete with services offered and reviews from families who’ve actually used the service. In addition to our in-depth provider listings, we’ve compiled resources to help seniors and their families to access all the tools they need to age in place safely and gracefully.

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Home Care Agencies in Lake Worth, FL

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Paying for Home Care in Lake Worth, FL

The Cost of Home Care in Lake Worth, Florida

Lake Worth seniors pay $4,195 per month for home care services, making it a comparatively affordable place to obtain care. The statewide home care rate is several hundred dollars higher at $4,767, and nationally, seniors pay $4,957. In nearby Naples, rates exceed state and national medians at $5,720, and Cape Coral’s rates exceed Lake Worth’s average at $5,196. Home care rates in Sebring are consistent with the state rate at $4,767. In Port St. Lucie, agencies charge slightly less at $4,671. 

Lake Worth

$4,195

Florida

$4,767

The United States

$4,957

Naples

$5,720

Cape Coral

$5,196

Sebring

$4,767

Port St. Lucie

$4,671

The Cost of Home Care vs. Other Senior Care Options in Lake Worth, Florida

Home care agencies in Lake Worth charge $4,195 for basic personal care services. Seniors who need skilled nursing pay $4,385 for home health care. In-home care is somewhat cheaper than assisted living, which costs $4,385, and less than half the price of nursing home care with a semiprivate room, which costs $9,019. The only more affordable care option is adult day health care at $1,517.

Home Care

$4,195

Home Health Care

$4,385

Adult Day Health Care

$1,517

Assisted Living

$4,385

Nursing Home Care (semiprivate room)

$9,019

Note: Data for Lake Worth was unavailable, so data for the nearest city, Miami, was used instead.

Financial Assistance for Home Care in Lake Worth, FL

Given the high cost of in-home care, many people use one or more forms of financial assistance to cover the expenses. Below, we explain some of the most common sources of financial help for paying for in-home care. If none of these options are available to you, you can reach out to your Area Agency on Aging or Aging and Disability Resource Center to learn about local resources.

  • Long-Term Care Insurance: Long-Term Care Insurance covers expenses related to senior care, including in-home care. Depending on the policy type, beneficiaries may receive a cash payment to use towards long-term care or reimbursement for qualifying long-term care expenses. Note that there are limitations- typically a maximum benefit of $150 per day- and exact coverage terms vary depending on the exact policy, so always check the details.
  • Medicare: Medicare does not cover in-home care because it is classified as custodial, or non-medical, care. However, some Medicare Advantage and Medicare Supplement plans, which offer expanded benefits, may cover in-home custodial care.
  • Medicaid: Medicaid coverage of in-home care varies between different states because it is not a federally mandated benefit. Currently, all states cover some in-home care either through their standard Medicaid or a waiver program. The specific coverage rules are set individually by each state.
  • Veterans’ Benefits: The Aid and Attendance benefit is a monthly cash payment that beneficiaries can use to pay for senior care, including in-home care services. To qualify for A&A, Veterans must already receive the VA pension and meet several additional requirements, including needing assistance with the activities of daily living.Contact the Department of Veterans Affairs to learn more.
  • Reverse Mortgages: Home Equity Conversion Mortgages (HECMs) are federally insured loans that are available to homeowners age 62 and over. Reverse mortgages allow you to access a portion of your home’s equity in cash, tax free. Many seniors use reverse mortgages to finance their care expenses, including in-home care. Note that although there are no monthly payments due on reverse mortgage loans, borrowers do have to repay the loan once the last surviving homeowner passes away, moves, or sells the home.

Free & Low-Cost Home Care Resources in Lake Worth, FL

In Lake Worth, several agencies and programs supplement the paid services you receive through home care. Through the following resources, you can connect with social and recreational programs. The city also has resources to help low-income seniors maintain financial stability throughout retirement.

ResourceContactService
Mid County Senior Center(561) 357-7100Mid County Senior Center is a county-run nonprofit senior center in Lake Worth. It offers a range of recreational activities and programs to support seniors who live alone. It hosts age-friendly fitness classes, special social events throughout the year, a mobile library and health screenings and educational classes.
Area Agency on Aging of Palm Beach/Treasure Coast(561) 684-5885The region’s Area Agency on Aging is a private nonprofit organization that supports community members aged 60 and over with free and low-cost programs. Through this organization, you can obtain in-home respite, transportation services, emergency alert response systems, home-delivered meals and various home care services.
Palm Beach Vet Center(561) 422-1201At the Palm Beach Vet Center, located about four miles west of Lake Worth, older veterans can get help with submitting claims for Aid and Attendance, veterans' pensions and the veterans' home care program, which may help you pay for living and care expenses.
Meals on Wheels of the Palm Beaches(561) 802-6979Meals on Wheels provides fresh, nutritious meals to housebound individuals aged 65 and over. Meals cost approximately $7, and financial assistance is available to income-qualifying individuals. The organization also has an Animeals program for the pets of participants.
Community Action Partnership(561) 355-4792Community Action Partnership has supportive programs for income-qualifying individuals in Lake Worth, which may help you afford to remain in your home. Available services include income tax assistance, food and nutrition services and assistance with utility bills.

Determining Your Loved One’s Need for In-Home Care

Aging can be a difficult process, and loved ones may not always ask for help – often times it’s up to their family to evaluate their need for help around the house. While no two situations are exactly alike, this checklist can help you and your loved ones determine when it’s time to start the search for a home care provider.

Download
Checklist for determining the need for home care
Checklist for determining the need for home care

Guidelines for Talking About In-Home Care

If you’ve determined that your loved one needs the assistance of a care provider in their home, it may be time for a difficult conversation. Handled correctly, however, this process can bring a family together and ensure that everyone’s concerns are addressed. Use this PDF as a starting point to help the conversation stay as positive and productive as possible.

Download
Talking with Family and Others about a loved one's needs
Talking with Family and Others about a loved one's needs

Frequently Asked Questions

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The material on this site is for informational purposes only and is not a substitute for legal, financial, professional, or medical advice or diagnosis or treatment. By using our website, you agree to the Terms of Use and Privacy Policy

Caring.com

Caring.com is a leading online destination for caregivers seeking information and support as they care for aging parents, spouses, and other loved ones. We offer thousands of original articles, helpful tools, advice from more than 50 leading experts, a community of caregivers, and a comprehensive directory of caregiving services.

 

The material on this site is for informational purposes only and is not a substitute for legal, financial, professional, or medical advice or diagnosis or treatment. By using our website, you agree to the Terms of Use and Privacy Policy

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